Kev Pab Kho Mob Hospice: Medicare Duav Duav Dab Tsi?

Zoo Siab

• Medicare yuav them rau cov tsev kho mob
• Thaum twg Medicare them rau hospice?
• Dab tsi yog qhov them?
• Yuav ua li cas hais txog kev kho mob rau cov xwm txheej uas tsis muaj feem cuam nrog lub davhlau ya nyob twg mob?
• Tus neeg uas muaj dementia puas tsim nyog txais Medicare cov kev pab ntawm lub tsev laus?
• Puas yuav muaj feem them lossis txiav tawm?
• Yam twg Medicare tsis them?
• Medicare yuav tsis them rau cov kev kho mob los kho tus mob
• Medicare yuav tsis pab them cov nqi kho mob los ntawm cov kws tu neeg mob
• Medicare yuav tsis pab them rau chav nyob thiab khoom noj
• Medicare yuav tsis pab them cov nqi khomob uas koj tau txais hauv cov tsev khomob sab nrauv
• Medicare yuav them nyiaj ntev npaum li cas rau cov kev pab nyob hauv tsev kho mob?
• Qhov twg hauv Medicare them rau kev saib xyuas lub tsev laus?
• Tsev kho mob yog dab tsi?
• Lub tsev kho mob sib txawv li cas ntawm kev saib xyuas palliative?
• Kev mus pw tsev kho mob raug nqi li cas?
• Hauv qab kab

Kev txiav txim siab txog kev saib xyuas hauv tsev kho mob, tsis hais rau koj tus kheej lossis tus neeg koj hlub, tsis yooj yim. Tau txais cov lus teb ncaj qha hais txog dab tsi cov nqi tsev kho mob thiab tus nqi li cas koj tuaj yeem them rau nws yuav txiav txim siab nyuaj me ntsis kom meej meej.

Medicare yuav them rau cov tsev kho mob

Original Medicare (Medicare Tshooj A thiab Medicare Tshooj B) them rau kev saib xyuas lub tsev khomob ntev npaum li koj tus kws khomob pw tsev khomob tau ntawv pom zoo Medicare.

Medicare them rau kev saib xyuas tsev laus txawm hais tias koj muaj Medicare Advantage txoj kev pab them nqi (HMO lossis PPO) lossis lwm txoj phiaj xwm kev noj qab haus huv Medicare.

Yog tias koj xav paub seb tus kws kho mob hauv tsev kho mob tau pom zoo, koj tuaj yeem nug koj tus kws kho mob, chav tuam tsev saib xyuas kev noj qab haus huv hauv xeev, chaw saib xyuas kev noj qab haus huv, lossis koj tus thawj tswj hwm phiaj xwm, yog tias koj muaj phiaj xwm Medicare ntxiv.

Tej zaum koj yuav nrhiav cov lus teb tshwj xeeb hais txog cov tsev kho mob twg, cov kws kho mob, thiab cov kev pab cuam uas them rau hauv tsev kho mob. Cov ntaub ntawv no yuav pab koj teb cov lus nug.

Thaum twg Medicare them rau hospice?

Medicare pab them rau lub tsev khomob sai li sai tau thaum kws kho mob tau lees tias tus neeg uas tau txais kev pab them los ntawm Medicare muaj mob uas, yog tias nws txuas ntxiv mus, tsis ua rau tus neeg yuav nyob ntev dua 6 lub hlis.

Kom tau txais qhov kev pab no, koj yuav tsum kos npe rau ib nqe lus uas lees tias:

• koj xav tau kev saib xyuas palliative
• koj tsis txhob npaj nrhiav kev kho mob los kho tus mob
• koj xaiv txoj kev tu neeg mob kom tsis txhob siv lwm cov kev pab los ntawm Medicare los kho koj tus mob

Dab tsi yog qhov them?

Original Medicare them rau ntau yam kev pab, khoom siv, thiab ntawv sau ntawv muaj feem ntsig txog tus mob uas ua rau koj mus nrhiav tsev kho mob. Uas suav nrog:

• kws kho mob thiab kev pab kho mob
• Kev pab kho lub cev, ua haujlwm, thiab hais lus
• cov cuab yeej siv kho mob, zoo li taug kev thiab txaj
• tawm tswv yim txog kev noj haus
• cov khoom siv kho mob thiab khoom siv
• cov tshuaj noj uas koj xav tau txhawm rau txo cov tsos mob lossis tswj qhov mob
• Kev mus pw hauv ib lub sijhawm luv los pab koj tswjhwm mob lossis cov tsos mob
• cov kev pabcuam pej xeem thiab kev pab tawm tswv yim rau tus neeg mob thiab tsev neeg
• Chaw nyob xyuas lub sijhawm luv (txog li tsib hnub nyob rau ib zaug) kom koj tus neeg zov me nyuam so, yog tias koj tau tu nyob hauv tsev
• lwm cov kev pabcuam, khoom siv, thiab tshuaj noj uas xav tau los daws qhov mob lossis tswj cov tsos mob ntsig txog ntawm tus mob

Txhawm rau nrhiav cov tsev kho mob nyob hauv koj thaj chaw, sim nrhiav cov chaw lis dej num no los ntawm Medicare.

Yuav ua li cas hais txog kev kho mob rau cov xwm txheej uas tsis muaj feem cuam nrog lub davhlau ya nyob twg mob?

Yog tias koj tau txais kev pab nyob tos txoj sia tu, Medicare Tshooj A (Medicare qub) tseem yuav them rau lwm yam mob thiab cov mob uas koj yuav muaj. Tib co nqi tuav pov hwm them thiab rho nyiaj tawm yuav siv rau cov kev kho mob uas ib txwm siv.

Koj tuaj yeem khaws koj qhov Medicare Advantage txoj kev pab them nqi thaum koj tau txais cov txiaj ntsig kev pab nyob tos txoj sia. Koj tsuas yog yuav tsum them tus nqi them rau qhov kev pov hwm ntawd xwb.

Tus neeg uas muaj dementia puas tsim nyog txais Medicare cov kev pab ntawm lub tsev laus?

Tsuas yog tias kev cia siab lub neej yog tsawg dua 6 lub hlis. Dementia yog ib tus mob uas maj mam tshwm sim. Hauv cov theem tom qab, ib tus neeg mob dementia tuaj yeem tsis muaj peev xwm ua haujlwm tsis xws luag thiab yuav tsum tau saib xyuas txhua hnub. Hospice tsuas yuav duav tau, tab sis, thaum kws kho mob lees tias tus neeg ntawd muaj lub siab xav txog 6 lub hlis lossis tsawg dua. Qhov no feem ntau txhais tau hais tias muaj mob lwm yam xws li mob ntsws lossis mob sepsis.

Puas yuav muaj feem them lossis txiav tawm?

Qhov xov xwm zoo yog tias tsis muaj cov nyiaj txiav tawm ntawm kev saib xyuas lub tsev kho mob.

Qee cov tshuaj noj thiab cov kev pabcuam yuav raug them nqi. Cov tshuaj kws kho mob muab tshuaj rau tus mob kom zoo mob los yog tshem tawm cov tsos mob yuav tuaj yeem them $ 5 nqi. Tej zaum yuav muaj 5 feem pua ​​tus nqi them rau cov neeg mob pw yog tias koj tau mus nyob hauv ib qho chaw pom zoo, yog li koj cov neeg saib xyuas tau so. Dhau ntawm cov xwm txheej ntawd, koj tsis tas yuav them rau qhov kev saib xyuas koj ntawm lub tsev tos qhua.

Yam twg Medicare tsis them?

Medicare yuav tsis them rau cov kev kho mob los kho tus mob

Qhov ntawd suav tag nrho ob qho kev kho mob thiab tshuaj noj uas tau npaj los kho koj. Yog tias koj txiav txim siab koj xav tau kev kho mob los kho koj tus mob, koj tuaj yeem nres kev saib xyuas tsev kho mob thiab nrhiav cov kev kho mob ntawd.

Medicare yuav tsis pab them cov nqi kho mob los ntawm cov kws tu neeg mob

Txhua qhov kev saib xyuas koj tau txais yuav tsum yog npaj los ntawm lub tsev kho mob tus kws kho mob uas koj thiab koj pab neeg tau xaiv. Txawm tias koj tau txais cov kev pabcuam zoo ib yam, Medicare yuav tsis them tus nqi khomob yog tias tus kws khomob tsis yog tus koj thiab pab pawg tu mob muaj npe. Koj tseem tuaj yeem ntsib koj tus kws kho mob lossis kws kho mob yog tias koj xaiv lawv los saib xyuas koj lub tsev kho mob.

Medicare yuav tsis pab them rau chav nyob thiab khoom noj

Yog tias koj tab tom tau txais kev saib xyuas hauv tsev nyob hauv tsev, hauv tsev tu neeg laus, lossis hauv tsev kho mob pw, Medicare yuav tsis them cov nqi chav thiab khoom noj. Nyob ntawm qhov chaw kho mob, tus nqi ntawd ntau dua $ 5,000 toj hlis.

Yog koj pab pawg neeg tu mob txiav txim siab tias koj xav tau luv-luv Nyob pw hauv tsev kho mob lossis hauv lub tsev laus, Medicare yuav them cov nqi nyob mus ib ntus. Txawm li cas los xij koj yuav tshuav nqi them them rau qhov kev tiv thaiv ntawd nyob rau lub sijhawm luv luv, txawm li cas los xij. Feem ntau, qhov nyiaj them ntawd yog 5 feem pua ​​ntawm cov nqi, feem ntau tsis tshaj $ 10 toj ib hnub.

Medicare yuav tsis pab them cov nqi khomob uas koj tau txais hauv cov tsev khomob sab nrauv

Nws yuav tsis them rau tsheb thauj neeg mob mus rau lub tsev khomob lossis rau cov kev pabcuam uas koj tau txais hauv chav kho mob sab nrauv, xws li chav kho mob kub ntxhov, tshwj tsis yog tsis tau cuam ​​tshuam txog koj qhov muaj mob muaj nkeeg lossis tshwj tsis yog tias tau npaj los ntawm pab pawg kws kho mob.

Medicare yuav them nyiaj ntev npaum li cas rau cov kev pab nyob hauv tsev kho mob?

Yog tias koj (lossis ib tug neeg hlub) tau txais kev saib xyuas hauv tsev laus, txhais tau tias koj tus kws kho mob tau lees paub tias koj lub neej muaj 6 lub hlis los yog tsawg dua.Tab sis qee cov neeg tsis txaus siab txog qhov kev cia siab. Thaum kawg ntawm 6 lub hlis, Medicare yuav tau them nyiaj rau kev saib xyuas neeg mob yog tias koj xav tau. Tus thawj coj ntawm tsev kho mob loj lossis koj tus kws kho mob yuav xav ntsib koj tim ntsej tim muag, thiab rov qab lees paub tias kev muaj txoj sia tseem ntev dua 6 lub hlis.

Medicare yuav them rau ob lub sijhawm 90-hnub txiaj ntsig kev pab. Tom qab ntawv, koj tuaj yeem rov lees paub dua rau lub sijhawm tsis dhau 60 hnub ntawm lub sijhawm ua haujlwm. Nyob rau txhua lub sijhawm tau txais txiaj ntsig, yog tias koj xav hloov pauv koj tus kws khomob, koj muaj cai ua li ntawd.

Qhov twg hauv Medicare them rau kev saib xyuas lub tsev laus?

• Medicare Tshooj A. Ntu A them rau nqi kho mob hauv tsev kho mob, koj yuav tsum raug cia koj nyob rau kev saib xyuas cov tsos mob lossis kom muab rau cov neeg saib xyuas tau so me ntsis.
• Medicare Tshooj B. Ntu B yog hais txog kev kho mob thiab kev saib xyuas mob, khoom siv khomob, thiab lwm yam kev khomob.
• Medicare Tshooj C (Siv Kom Zoo Dua). Cov phiaj xwm Medicare Advantage uas koj muaj yuav muaj nyob ntev li ntev tau koj tseem them nuj nqis, tab sis koj tsis tas yuav them rau koj cov nqi tsev kho mob. Thawj qhov Medicare them rau cov ntawd. Koj qhov Medicare Part C cov phiaj xwm tseem tuaj yeem siv los them rau cov kev kho mob uas tsis cuam tshuam nrog qhov mob qhov xaus.
• Medicare ntxiv (Medigap). Ib qho kev npaj khomob Medigap uas koj muaj tuaj yeem pab nrog cov nqi ntsig txog cov xwm txheej tsis cuam tshuam nrog lub davhlau ya nyob twg. Koj yuav tsis xav tau cov txiaj ntsig no los pab koj nrog them nqi pw hauv tsev laus, vim cov tau them los ntawm Medicare qub.
• Medicare Tshooj D. Koj qhov kev pab them rau Medicare Part D yuav tseem siv tau los pab koj them rau cov tshuaj uas tsis cuam tshuam txog qhov mob tshwm sim. Txwv tsis pub, cov tshuaj los pab kho cov tsos mob lossis tswj qhov mob ntawm qhov mob ib txwm muaj yog pov hwm los ntawm koj qhov kev pab Medicare hospice.

Tsev kho mob yog dab tsi?

Hospice yog kev kho mob, kev pabcuam, thiab saib xyuas cov neeg muaj mob thiab tsis cia siab tias yuav nyob ntev dua 6 lub hlis.

txhawb cov neeg nrog lub davhlau ya nyob twg kuaj kom txiav txim siab nkag mus rau hauv tsev kho mob thaum ntxov nyob rau hauv 6-lub hlis qhov rai. Hospice muaj cov txiaj ntsig zoo thiab kev txhawb nqa zoo, tsis yog rau cov neeg mob nkaus xwb tab sis kuj yog rau lawv tsev neeg thiab. Qee cov txiaj ntsig yog:

• tsawg tshaj qhov cuam tshuam rau kev kis kab mob thiab lwm yam kev phom sij cuam tshuam nrog kev mus ntsib tsev kho mob
• Tus nqi qis dua tag nrho cuam tshuam nrog kev mob hauv qab
• cov peev txheej los txhim kho kev saib xyuas thiab txhawb nqa cov neeg zov me nyuam
• nkag tau rau cov kev pabcuam palliative care

Lub tsev kho mob sib txawv li cas ntawm kev saib xyuas palliative?

Lub hom phiaj ntawm kev saib xyuas palliative yog txhim kho koj lub neej kom zoo thaum koj daws mob. Palliative care yuav pib lub sijhawm koj raug mob uas muaj mob, txawm tias koj yuav xav kom nws rov zoo hlo. Feem ntau koj yuav tau txais kev saib xyuas palliative kom txog thaum koj tsis tas yuav siv lawm.

Raws li National Institute ntawm Kev Laus, qhov sib txawv tseem ceeb ntawm kev saib xyuas lub tsev laus thiab palliative yog tias palliative care tso cai rau koj kom tau txais kev kho mob los kho koj tus mob. Hauv tsev kho mob, koj tus tsos mob thiab mob yuav tau txais kev kho mus txuas ntxiv, tab sis kev kho mob los kho tus mob yuav nres.

Yog tias nws paub meej rau pawg neeg kho mob tias kev kho mob tsis ua haujlwm thiab koj tus mob yog qhov xaus, koj tuaj yeem hloov los ntawm kev saib xyuas palliative hauv ib qho ntawm ob txoj kev. Yog tias koj tus kws khomob ntseeg tias koj yuav tsis nyob ntev dua 6 lub hlis, koj thiab koj cov kws saib xyuas mob yuav txiav txim siab hloov mus rau lwm lub tsev kho mob. Lwm txoj kev xaiv yog txuas ntxiv rau kev saib xyuas palliative (suav nrog kev kho mob npaj los kho tus mob) tab sis nrog txoj kev mob siab ntxiv rau kev saib xyuas (lossis thaum kawg ntawm lub neej).

Kev mus pw tsev kho mob raug nqi li cas?

Kho mob npaum li cas nyob hauv tsev kho mob nyob ntawm hom mob thiab cov neeg mob yuav mus cuag lub tsev kho mob thaum ntxov. Xyoo 2018, lub koom haum Society of Actuaries tau kwv yees tias cov neeg mob hauv tsev kho mob tau txais mob cancer ntawm feem tau txais Medicare Tshooj A thiab Tshooj B cov txiaj ntsig tag nrho yog $ 44,030 nyob rau 6 lub hlis dhau los ntawm lawv lub neej.

Daim duab ntawd suav nrog cov nqi pw khomob hauv tsev khomob, ntxiv rau kev saib xyuas tsev khomob. Lwm qhov kev tshawb fawb qhia tias qhov siv nyiaj nruab nrab Medicare rau cov neeg mob hauv tsev kho mob thaum 90 hnub kawg ntawm lub neej tsuas yog $ 1,075 xwb.

• Siv sijhawm ib pliag txhawm rau paub tseeb tias koj nkag siab tias Medicare ua haujlwm li cas.
• Ua kom koj tus kheej paub txog cov sijhawm sau npe.
• Siv daim ntawv txheeb xyuas no kom ntseeg tau tias koj muaj cov ntaub ntawv koj xav tau thov.
• Thaum koj tau sau cov ntaub ntawv koj xav tau, ua daim ntawv thov online. Koj tuaj yeem xav kom tsawg kawg nkaus thiab cuam tshuam nrog tsawg kawg 30 feeb.

Hauv qab kab

Yog tias koj muaj qhov kev pab them kho mob Medicare thawj zaug thiab koj tab tom txiav txim siab txog kev saib xyuas cov neeg mob pw tsev kho mob, qhov kev pab Medicare nyob hauv tsev kho mob yuav them rau cov nqi tsev kho mob.

Koj yuav xav tau kws kho mob los ua ntawv pov thawj tias koj lub hnub nyoog tsis pub ntev dua 6 lub hlis, thiab koj yuav tsum tau kos npe rau daim ntawv lees txais kev saib xyuas lub tsev kho mob thiab nres kev kho mob los kho tus mob. Yog tias koj tau ua tiav cov cai no, koj tus kws kho mob thiab kev saib xyuas mob, tshuaj noj, thiab ntau yam ntawm lwm cov kev pabcuam yuav raug them rau.

Ib qho kev zam tseem ceeb kom nco tseg: Tus Thawj Medicare tsis them nyiaj rau chav nyob thiab khoom noj rau cov neeg mob pw hauv tsev kho mob, yog li qhov chaw nyob ntev nyob hauv tsev laus lossis tsev laus muaj peev xwm tsis suav nrog rau cov txiaj ntsig ntawm lub tsev laus.

Cov ntaub ntawv ntawm lub vev xaib no tuaj yeem pab koj txiav txim siab tus kheej txog kev tuav pov hwm, tab sis nws tsis yog yuav pab tswv yim txog kev yuav khoom lossis kev siv cov khoom pov hwm lossis kev tuav pov hwm. Healthline Media yuav tsis hloov lag luam ntawm kev tuav pov hwm tsis hais yam twg thiab tsis tau ntawv tso cai raws li cov tuam txhab pov hwm lossis cov neeg tsim khoom hauv ib cheeb tsam ntawm Teb Chaws Asmeskas. Healthline Media tsis tau qhia lossis pom zoo rau ib tog neeg thib peb uas ua lag luam ntawm kev tuav pov hwm.